Schedule of Fees

Below is a list of standard or common fees that you may be charged depending on the services you requested and/or services provided by CMS. Actual fee amounts may vary depending upon the terms of your loan documents and subject to all applicable laws and regulations.

IMPORTANT NOTE: This list does not include all fees and costs that may be charged for certain services rendered including, but not limited to, foreclosure costs, bankruptcy fees, attorney's fees and court costs.

Fee Description Amount Definition
Payment Processing Fees
Web Payment $5.00 or as permitted by state law. Payment option offered through our website.
Automated-Pay-by-Phone $10.00 or as permitted by state law. Payment offered through our automated self-phone service.
Pay with a customer service representative $20.00 or as permitted by state law. Payment option offered with a Loan Servicing Agent.
Late Fee 5% of Principal & Interest or as permitted by state law and/or the terms of the note. A penalty for failure to pay an installment payment on time due to a payment not being received within the grace period as specified in the mortgage loan documents.
NSF/Returned or Dishonored Check Fee $7.00 - $50.00.
Varies by State.
A fee charged for a check or an electronic draft that was returned unpaid by the borrower's depository institution.
Property Inspection Fee $15.00 - $20.00 or as permitted by state law. The fee charged to a loan to determine the value of the property. This fee may be assessed to a loan during a delinquent status.
Release Fee $17.00 or as permitted by state law. The amount paid to a vendor to process and record the release of lien.
Recording Fee Varies by county. The amount paid to the recorder's office in order to make a document a matter of record.
BPO Fee   The fee charged to a loan to determine the estimated value of a property as determined by a real estate broker or other qualified individual.
Exterior BPO $75 - $90 or as permitted by state law. The fee charged to a loan when an external inspection of the property has occurred.
Interior BPO $110 - $125 or as permitted by state law. The fee charged to a loan when an internal inspection of the property has occurred.